Compare

Debitura vs EOS

EOS and Debitura both help businesses collect unpaid invoices from debtors abroad. Here is how they compare on model, fees, coverage and tools, using each company's own website.

Last checked 17 October 2026Facts from each company's own siteChecked by the Debitura team

The short answer

Checked 17 October 2026

As of 17 October 2026, EOS collects in about 180 countries through its own companies in more than 20 countries plus partners, with cases followed on its EOS Global Collection portal[1][2]. Its Danish site calls the cross-border service 'no success, no fee', but EOS publishes no fee levels[3]. Debitura's published fee is from 6% in Europe and 7.5% elsewhere, depending on claim size and the debtor's country, with $0 upfront; on a $10,000 claim against a business in Germany the calculator shows 9.5%. Which one fits depends on your debtors, your volume and how you like to work.

EChoose EOS if

  • You are a bank or lender with defaulted cross-border loans and want a collector that has handled such receivables for banks for decades.
  • You want to sell a receivables portfolio, secured or unsecured, rather than place it for collection.
  • You run a shared service centre and want group-level visibility and a binding SLA across the countries you collect in.

DChoose Debitura if

  • You have a single overdue invoice or a modest volume and want to start online today.
  • You want the fee shown on each claim before you submit, not a negotiated service agreement.
  • You want to talk to the collector on each case in a case chat.
Facts from each company's own website, with numbered sources.See the full comparison
At a glance

Debitura and EOS in 30 seconds

Six things buyers compare first. "Same" means the model is alike, not identical; check the full table for detail.

Debitura (us)EOSSame or differs
Pricing model
Debitura (us)No Cure, No Pay success fee
EOSNo success, no fee (cross-border, DK site)
Same
Published fee
Debitura (us)From 6% in Europe, 7.5% elsewhere
EOSNot published
Differs
Upfront cost
Debitura (us)$0 upfront, no setup fee
EOSNot stated
Differs
Coverage as stated
Debitura (us)180 countries
EOSAbout 180 countries; own offices in 20+
Differs
Getting started
Debitura (us)Self-service sign-up
EOSVia your local EOS company
Differs
API and integrations
Debitura (us)REST API, webhooks, MCP server
EOSOnline portal; API not stated
Differs
Side by side

Debitura and EOS compared

Fifteen points in five groups. Text first, with a mark where a plain answer helps. Numbers in brackets link to the source.

How to read the marks:Yesstated on the company's siteNothe site says it does notPartlywith limits or conditionsNot stated on its sitewe did not find it, which is not the same as noQuote onlyprice given on request
What each company states on its own website, checked 17 October 2026.
TópicoDebitura (us)EOS
How it works
What it isA debt collection platform. Each claim is matched to a licensed local collection agency or law firm in the debtor's country, which collects under local law.Receivables group that buys receivables portfolios and collects for clients, including cross-border collection through its EOS Global Collection service and portal[1][2].
Who collects abroadA licensed local partner in the debtor's country, matched to the case. You talk to the partner directly in the case chat.Local collection by EOS-owned companies, other collection agencies and selected legal partners in the debtor's country, while you keep one contact person in your home country[2]. EOS says it audits partner agencies at their premises[5].
Coverage as stated180 countries.Collection in 'over 180 countries' or 'approximately 180 countries'[2][7]. Own presence varies by page: 'offices in more than 20 countries'[1], 'over 20 EOS branches'[2], '25 EOS offices'[4], 'active in 24 countries with our own debt collection companies' (2023 article)[5]. The worldwide page lists 25 countries plus Kosovo[6].
Cost
Pricing modelNo Cure, No Pay. You pay a success fee only when money is recovered.EOS Denmark describes its cross-border service as 'no success, no fee'[3]. Fee levels and the model on other EOS sites: not stated on its site.
Published feeYesFrom 6% in Europe and 7.5% elsewhere, depending on claim size and the debtor's country, shown before you submit. Example: 9.5% on a $10,000 claim against a business in Germany.Quote onlyNot published.
Upfront cost and subscriptions$0 upfront. No setup fee or retainer. Managed Services for large volumes is an optional paid subscription from $1,000 a month.Not stated on its site
Legal phaseOptional. Quoted separately, and only starts if you accept the quote.EOS covers 'pre-legal, legal and post-legal debt collection' through its network, which includes selected legal partners[2]. In Germany, B2B claims go to a partner law firm for the court phase[8]. How legal costs are priced and approved: not stated on its site.
Minimum claimSet per market and debtor type, shown in the fee calculator. For example $100 for a business debtor in Germany and $500 in the US.Not stated on its site
Getting started
B2B or B2CYesBusinesses and consumers (B2B and B2C).Businesses and consumers: it contacts non-paying customers, 'both B2B and B2C'[3]; its cross-border teams handle 'commercial and consumer debts'[2].
Getting startedSelf-service. Create a free account and submit a claim online. You see the fee before you submit.Through your local EOS company, which gives you login data for the EOS Global Collection portal[1][2]. Self-service sign-up: not stated on its site.
Day to day
Case tracking and contact with the collectorEvery case, message and payment on one platform, with case chat directly with the partner. Partners must resolve open tasks and respond within 48 business hours.EOS Global Collection is an online portal where 'All collection activities and results can be seen'[2]. You have one contact person in your home country[2]. EOS Switzerland also lists the client portals EOSdirect and SECUREtransfer[4].
Integrations and APICSV import, accounting integrations, Zapier, a REST API with webhooks, and an MCP server for AI assistants.For shared-service clients, EOS Global Collection provides 'a fully automated communication and case submission flow'[2]. Public API documentation and accounting integrations: not stated on its site.
Data and contract
ContractOne Standard Debt Collection Agreement, signed once, for every country.The Shared-Service Solution comes with a 'Binding SLA'[3]. Whether cross-border cases run under one agreement, and contract term: not stated on its site.
Exclusivity per caseThe matched partner has a six-month collection period on each case.Not stated on its site
Data processing and hostingDebitura is your processor. The DPA is signed self-service. Hosted on Microsoft Azure in the EU, encrypted in transit and at rest.EOS says its portal 'ensures full data security and privacy'[2]. Its website privacy policy covers website data only and says separate policies apply case by case[10]. Hosting location and a client DPA: not stated on its site.

Prices, coverage and services change. Check EOS's own site before you decide.

What it costs

What does each cost on a real claim?

One example, worked through with each company's published numbers. Legal action is extra with both and is quoted separately.

Check your own claim
$10,000 invoice, business debtor in Germany, under 12 months overdueRecovered in full. Debitura's minimum claim in this market: $100.
Debitura (us)9.5%

Success fee $950, shown before you submit.

Other feesNone. No membership or upfront cost.
You keep, if recovered in full$9,050

If 12 to 24 months overdue: 17.5% ($1,750).

EOSQuote

Quote on request. Not published.

Other feesNot stated on its site
You keep, if recovered in fullNot published
Debitura: pricing calculator, 17 October 2026. EOS: no rate published on its own website, see sources.

Debitura's fee depends on claim size and the debtor's country: from 6% in Europe on amounts of $150,000 and above, and from 7.5% elsewhere. Claims over 12 months cost more, and the uplift is shown before you submit. See every fee band.

Credit where it is due

What EOS does well

Three facts from EOS's own website.

Part of the Otto Group

EOS employs more than 6,000 people, is part of the Otto Group and states over 50 years of experience[1].

Own companies plus audited partners

EOS runs its own collection companies in 24 to 25 countries and audits partner agencies on site[4][5]. Its portal sets minimum standards, such as a first letter within 1 working day and a first phone call within 10 working days[2].

Debt purchase

EOS buys secured and unsecured receivables portfolios[3]. In 2024/25 the group invested EUR 826.6 million in receivables and real estate[9].

An honest answer

When is EOS the better choice?

Some cases fit EOS better. If yours is one of them, we would rather you knew now.

EOS may suit you better if

  • You want to sell secured or unsecured receivables portfolios instead of collecting them[3].
  • You are a lender with cross-border loan receivables; Commerzbank has assigned selected cross-border loans to EOS and has worked with it since the 1980s[5].
  • A shared service centre needs group-level control of collections in many countries under a binding SLA[2][3].

Debitura is likely the better fit if

  • You have a single overdue invoice or a modest volume and want to start online today.
  • You want the fee shown on each claim before you submit, not a negotiated service agreement.
  • You want to talk to the collector on each case in a case chat.
How Debitura works

What you get on every case

Debitura is a platform, not an agency. A licensed local partner collects; you sign one agreement and follow every case in one place.

Illustration
Your success fee
9.5%
Germany, business, $10,000Europe
Estimated fee$950
You receive$9,050
Upload this claim

The fee before you submit

Pick the debtor's country, the amount and how overdue it is. The fee and the minimum claim for that market show before you submit. If nothing is recovered, you pay nothing.

See your fee
Illustration
Local partnerLetter sent today in the debtor's language. I will call their finance team on Monday.
YouThanks. They asked to pay in two parts last month.
Local partnerNoted. I will propose a two-part plan for your approval.

A licensed local partner, in direct contact

Each claim is matched to a licensed agency or law firm in the debtor's country. You talk to them in the case chat, and partners must resolve open tasks and respond within 48 business hours.

See the platform
Illustration
Standard Debt Collection AgreementSigned once. Applies in every country.

One agreement for every country

You sign the Standard Debt Collection Agreement once. The same No Cure, No Pay terms apply wherever the debtor is, and legal action only starts if you accept a quote.

See what you sign

See how it worksTour the platform

Switching

Moving from EOS to Debitura

You can start with your next overdue invoice. Nothing has to move at once.

  1. Create a free account

    Sign up online. There is no setup fee.

  2. Sign the agreement once

    The Standard Debt Collection Agreement covers every country.

  3. Send new claims

    By form, CSV, an accounting integration, Zapier or the API.

  4. Work with the partner

    Talk to the local partner on each case in the case chat.

Open cases. Cases already placed with EOS usually stay there until they close. Check your current agreement for notice periods before you move anything.

Other options

Other alternatives to EOS

Collection groups, credit insurers, international agencies, law firms and platforms all collect abroad, in different ways.

All comparisons
Large collection group

Intrum

Own companies in their core markets and partners elsewhere, usually sold to large companies through quotes and service agreements.

Credit insurer's collection arm

Atradius Collections

Collection next to credit insurance, often included for policyholders and priced by quote for others.

International agency

CMC Worldwide

Own collectors in a few hubs, working debtors abroad in their language, with partners or lawyers where needed.

Law-firm collector

Bierens

Law firms that specialise in collection, with in-house lawyers who can take a case to court.

Collection platform

Oddcoll

Online platforms that send each case to a local agency or law firm in the debtor's country.

Guide

International debt collection agencies compared

Every type of provider side by side: fees, coverage, minimum claim and how each one works.

Read the comparison
FAQ

Debitura vs EOS: questions

Does EOS work on a no success, no fee basis?

EOS Denmark describes its cross-border service as 'no success, no fee'. EOS does not publish fee levels, and the other EOS pages reviewed do not state the pricing model.

In how many countries does EOS have its own companies?

EOS gives several figures: 'offices in more than 20 countries' on its homepage, '25 EOS offices' on its Swiss page and '24 countries' with its own collection companies in a 2023 article. Its worldwide page lists 25 countries plus Kosovo.

Can I follow my international cases online with EOS?

Yes, EOS Global Collection is an online portal where all collection activities and results can be seen. You receive login data from your local EOS contact.

Does EOS buy debt portfolios?

Yes, EOS buys portfolios 'unsecured, or secured by all asset classes', for clients such as banks, lenders, insurers and utility providers.

Can I move open cases from EOS to Debitura?

Cases already with EOS usually stay there until they close. You can send new claims to Debitura at any time; check your current agreement for notice periods.

A Debitura é uma empresa de cobrança de dívidas?

No. Debitura is a debt collection platform. We match your case to a licensed local collection agency or law firm in your debtor's country, which does the collection under local law. We provide the agreement, the platform and the quality checks.

Does Debitura charge anything upfront?

No. Debitura charges $0 upfront, with no setup fee or retainer. You pay a success fee only on money that is recovered, and legal action is quoted separately and only starts if you accept.

Sources and method

Where these facts come from

How we compare

We read each company's own website and quote what it states, with the page and the date. Where pages disagree, we show every figure. Where we found nothing, we write "Not stated on its site", which is not the same as "no". We have no inside knowledge of other companies' terms.

Debitura's figures

Debitura's fees come from the Debitura pricing calculator, debitura.com/pricing, read on 17 October 2026. Your exact rate is shown before you submit. Other Debitura figures: 180 countries; median 33 days to first payment and median 44 days to close, European cases.

Last checked

17 October 2026, by the Debitura team.

What changed

  • 17 October 2026: page rebuilt. Every fact rechecked on each company's own website. Rows added for minimum claim, legal phase, exclusivity and data.

Sources

  1. EOS, Home - EOS Group. eos-solutions.com, accessed 17 October 2026.
  2. EOS, Changing finances for the better - EOS Global Collection. eos-globalcollection.com, accessed 17 October 2026.
  3. EOS, Services - EOS Danmark A/S. dk.eos-solutions.com/en/services, accessed 17 October 2026.
  4. EOS, Internationaler Forderungseinzug mit EOS - EOS Schweiz AG. ch.eos-solutions.com/en/services/international, accessed 17 October 2026.
  5. EOS, International debt collection: How EOS processes receivables worldwide - EOS Group. eos-solutions.com/newsroom.html~~2023~187-international-debt-collectio, accessed 17 October 2026.
  6. EOS, EOS worldwide - EOS Group. eos-solutions.com/worldwide-companies, accessed 17 October 2026.
  7. EOS, About EOS Group: purpose, leadership and values - EOS Group. eos-solutions.com/about-us, accessed 17 October 2026.
  8. EOS, What is fiduciary collection?. de.eos-solutions.com/en/services/fiduciary-collection, accessed 17 October 2026.
  9. EOS, Services - EOS in Germany. de.eos-solutions.com/en/services, accessed 17 October 2026.
  10. EOS, Privacy Policy - EOS Global Collection. eos-globalcollection.com/privacy-policy, accessed 17 October 2026.
Our approach. We respect the companies we compare with and do not speak badly about them. We describe how each service works, credit what it does well and link to the source. Spotted something out of date? Write to contact@debitura.com and we will check it.

Try Debitura on your next overdue invoice

You see the fee before you submit. If nothing is recovered, you pay nothing.